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Cover Story Education

IoT payments: fast, fraudproof, frictionless ..........................1 Is the countertop terminal dead? ............................................36
By Dale S. Laszig By William C. Nichols, AEVI
Researchers identified five core IoT capabilities: connect, secure, A gap exists between legacy terminals and smart POS systems,
manage, analyze and build. Each can help protect assets while but countertop terminals won't disappear anytime soon. Acquir-
facilitating fast, fraud-proof, frictionless payments. ers comprise the ideal channel to bridge that gap.

News Differences between W-2 and 1099 for MLSs .....................38
By Bill Pirtle, Author and Business Consultant
News Briefs: ISO typically consider expenses and control when deciding
NRF 2019: big, bold, inclusive ...................................................10 whether MLSs should be classified as independent contractors or
employees. What status is best for MLSs?
Buy online, pick up in-store fraud spikes .............................10
Checkout experience can make or break a business ......39
What's next for merging titans Fiserv, First Data? ...........10
By Mia Farber, CitiXsys/iVend Retail
NEAA all grown up ..........................................................................10
The retail shopping experience must be fast and convenient –
Many merchants unaware of new chargeback fees ........11 especially when it comes to the checkout process. Do the systems
Jason Oxman leaving ETA to you offer merchants meet today's high expectations?
pursue new opportunity ..............................................................11 Keeping your sales training current .......................................40
Target adds NFC, expands checkout options .....................11 By Nicholas Cucci, Fluid Pay LLC
Visa, NFL team up for payments at Super Bowl LIII ........11 The most effective salesperson is a superb listener. But how to you
foster this and other essential skills in your sales team? Ongoing
Industry Update ...............................................................................14 training that guides without overwhelming staff.
Views New Product

Insider's report on payments: Sleek, adaptable POS for fixed and mobile settings ......42
Getting everyone on board with tokenization ................18 Inspiration
By Patti Murphy, ProScribes Inc.
Embracing VaaS ................................................................................43
Security must be priority one in payments. The challenge is get-
ting all stakeholders on board with that imperative. Too many just Departments
don't understand critical concepts like tokenization.
Letter From the Editors ....................................................................5
Company Profile Readers Speak:
A word from EMVCo ..........................................................................8
Aurora Solutions:
Strength in numbers ......................................................................27 Featured now on Merchant Sales Podcast ...........................14
Spotlight Innovators ......................................................................22
Education Event Calendar ..................................................................................42
Street Smarts archives Resource Guide .................................................................................44
SM
The POS system buzz .....................................................................34 Advertiser Index ...............................................................................54
By Dee Karawadra, Impact PaySystem
In 2007, POS systems were generating buzz aplenty. Some
thought they would replenish lost equipment lease income; oth-
ers thought they were beyond the pale for MLSs.

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